Fine-tuned for life is specifically meant to be life as we know it. Per Copilot: "The idea of different types of life in different fine-tuned universes is a fascinating topic in both science and science fiction. It opens up the possibility that life could be much more diverse and varied than we currently understand." The current factors that qualify earth as fine-tuned are temperature, atmosphere, magnetic field, water, and climate stability. It is important to note that life is specifically meant to be life as we know it, meaning that other forms of life could well exist beyond those that require Earth's exact blend of conditions.
